The Right Solutions—Selected for You, Not Sold to You

At Empire Private Wealth, we don’t push products—we build strategies. Servicing individuals and businesses.

When appropriate, we utilize a wide range of financial solutions to support your plan, always with a focus on cost efficiency, performance, and alignment with your goals.

We keep our pricing simple, transparent, and aligned with your needs.

We offer three flexible options: an ongoing percentage-based fee for investment management, flat or one-time fees for financial planning, and hourly consulting for specific advice. No hidden fees, no commissions—just clear, straightforward pricing designed to work in your best interest.

Our Approach to Financial Products

Financial products should serve a purpose—not drive the conversation.

We help you:

• Understand what you actually need (and what you don’t)
• Avoid unnecessary fees and complexity
• Select solutions that fit into your overall financial plan
• Determine situations such as opportunities for Roth IRA Conversions and or Back Door Roth Contributions are appropiate
• Stay flexible as your needs evolve

Investment Solutions

Stocks (Equities)

• Individual company investments
• Growth and income opportunities

Used for: Long-term growth and portfolio customization

Exchange-Traded Funds (ETFs)

• Low-cost, diversified investment vehicles
• Trade like stocks with broad market exposure

Used for: Cost-efficient diversification

Mutual Funds

• Professionally managed portfolios
• Access to specialized strategies

Used for: Targeted exposure when appropriate

Bonds & Fixed Income

• Government and corporate bonds
• Income-generating investments

Used for: Stability, income, and risk management

Options Income

• Buying and Selling (Writing) Call and Put Options

Used for: Typically for protection and income uses only, not suitable for all investors. Ask if appropraite for your personal situation. 

Insurance & Protection Solutions

Life Insurance

• Term life and permanent life options

Used for: Income protection, family security, and legacy planning

Long-Term Care Planning

• Coverage for extended care needs

Used for: Protecting assets and reducing financial burden on family

Disability Insurance

• Income replacement if you’re unable to work

Used for: Protecting earning power

Retirement Income Solutions

Annuities

• Fixed, indexed, or variable options

Used for: Guaranteed income, principal protection (when appropriate), and retirement income planning

Custodial, College, Education & Legacy Planning Tools

UGMA Custodial for minors

• Contributions gifted and managed as discretion of custodian or parent

Used for: Growing gift assets for a major purchase down the road after 18 years old or long term investing

529 Plans & Coverdell

• Tax-advantaged education savings

Used for: Funding education expenses efficiently

Trust & Estate Structures

• Coordinated with estate attorneys
• Basic preparation and planning with estate planning software

Used for: Wealth transfer, control, and legacy planning

Cash & Liquidity Management

Cash Management Solutions

• High-yield savings strategies - including CD's and other fixed income options
• Short-term investment options - including money markets and treasuries and more

Used for: Emergency funds, liquidity, and short-term needs

Alternative Investments:

Real Estate, Private Equity, Private Capital

• Real Estate REITs, 1031 Exhanges for sale of physical properties into DST - Delaware Statutory Trust/ UpREIT (where appropriate)
• Private capital, Private Equity, Venture Capital, Hedge Fund access (where appropriate)

Used for: Typically: Illiquid in nature, high net worth investors - unique investments that can be treated as a diversifier in a large portfolio; not suitable for most investors.

Business Retirement Plans - Review, Design and Selection

• Existing retirement plan 401k, 403(b), (PEP's) Pooled Employer Plans, (DB Plan) Defined Benefit, Profit Sharing, Cash Balance plan evaluation analysis for compliance and expenses to reduce costs 
• Shopping new plans with various service recordkeeper providers including companies like Principal, Empower, Vanguard, Fidelity, Charles Schwab and more
• Servicing the plans for the employer and employees needs on an on-going basis with presentations
• Coordinating with your current TPA (Third Party Administrator - Actuary and CPA and or helping you find one

What Makes Our Approach Different

• Independent & Unbiased
  We are not tied to proprietary products or quotas
• Strategy First, Products Second
  Every recommendation serves a clear purpose
• Cost-Conscious Selection
  We prioritize minimizing unnecessary fees
• Fully Integrated Planning
  Every product fits into your overall financial strategy

Avoid the “Product-First” Trap

Many investors are sold products they don’t fully understand—or don’t actually need.

We focus on:

• Simplicity
• Transparency
• Purpose-driven recommendations

Not Sure What You Actually Need?

That’s where we come in.

We’ll help you evaluate your current investments, insurance, and financial products to identify:

• What’s working
• What’s not
• Where you may be overpaying

Get a Complimentary Financial Review

No pressure. Just clear, honest guidance.